Yuanbao Inc. American Depositary Shares
The research page contains a warning that has not been mapped to a supported model interpretation. The company research remains available, but the complete score is withheld until the warning is reviewed.
YB · Price history
Price at last available close
$11.45
−$0.99 (-7.96%) 1M
2026-10-29
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Company & revenue
About Yuanbao Inc. American Depositary Shares
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Yuanbao Inc., operating through its subsidiaries, manages an online platform for insurance distribution and various related services throughout the People's Republic of China. The company offers a diverse portfolio of insurance policies, including medical, critical illness, and life coverage. Beyond its core insurance offerings, it also provides specialized system services, which encompass precise marketing strategies and advanced analytics capabilities.
How they make money
Yuanbao Inc. operates as a technology-driven online insurance distributor in China. The company generates revenue primarily through commissions paid by insurance carriers for the distribution of insurance products, leveraging data-driven insights to match consumers with tailored insurance solutions.
Products & services
Online insurance distribution platform offering various insurance products including health, life, and property insurance through collaboration with insurance carriers.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
- Individual insurance consumers in ChinaSource
Customer concentration
The company relies on a limited number of insurance carriers for its product supply and revenue generation, as disclosed in the 2025 Form 20-F.
Suppliers, materials & equipment
- Insurance Carriers — Various insurance companies that provide the insurance products distributed by Yuanbao.Source
Strengths
Sources
Company-specific research
Questions worth answering for YB
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can YB maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is YB's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is YB likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is YB's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of YB's score?
Essential Investment Snapshot
Market Cap
$88.0M
P/E Ratio
0.4
EPS
$28.99
52-Week High
$23.80
52-Week Low
$11.00
Beta
0.54
Shares Outstanding
7.8M
Total Debt
$247K
Dividend
No current dividend
Liquidation Value / Share
$72.70
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Community Sentiment
0 active · 0 total callsNo personal call yet on YB.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Technology-driven distribution platform.
- +Deep collaboration with insurance carriers.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Information Technology Services industry.
- −Regulatory changes in the Chinese insurance industry.
- −Dependence on a limited number of insurance carrier partners.
- −Diluted weighted-average shares increased 514.9% year over year.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
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Score Changes
Score changes will appear once more historical records are available.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $28.99 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$11.45
Model Intrinsic Value
$1116.06
Difference
−$1104.61
-99.0% vs IV
Margin of Safety
99.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Revenue | $752.4M | $654.6M | $491.7M | $306.1M | ···· | ···· |
| Cost of Revenue | $34.0M | $25.1M | $24.9M | $20.7M | ···· | ···· |
| Gross Profit | $718.5M | $623.4M | $466.8M | $285.5M | ···· | ···· |
| Research & Development | $46.9M | $54.7M | $34.6M | $19.2M | ···· | ···· |
| SG&A Expenses | $413.7M | $374.8M | $303.7M | $240.0M | ···· | ···· |
| Operating Expenses | $475.6M | $429.5M | $338.2M | $259.2M | ···· | ···· |
| EBITDA | $248.9M | $202.7M | $130.8M | $28.7M | ···· | ···· |
| Operating Income | $244.4M | $194.6M | $128.5M | $26.2M | ···· | ···· |
| Interest Expense | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· |
| Income Before Tax | $252.0M | $205.1M | $133.4M | $30.8M | ···· | ···· |
| Income Tax Expense | $31.8M | $15.1M | $3.8M | $44K | ···· | ···· |
| Net Income | $225.9M | $190.4M | $129.6M | $30.4M | ···· | ···· |
| Basic EPS | $22.71 | $8.34 | $17.25 | $-6.64 | ···· | ···· |
| Basic Shares | 45.22M | 36.04M | 7.51M | 7.51M | ···· | ···· |
| Diluted Shares | 48.19M | 47.65M | 7.51M | 7.51M | ···· | ···· |
Earnings Summary
Revenue
$208.6M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$1.28
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-89.1%
Cash Change
-11.2%
Margin Change
+1.2 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, debt levels, net income margin. Pressure indicators included EPS growth, cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 30.3%. EPS declined 93.2%. Cash declined 11.2%. Total debt declined 89.1%. Net income margin improved by 1.2 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
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Start 7-Day Free TrialHistorical Trends
4 historical recordsHistorical Score Chart
3 of 4 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · YB
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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